this sounds like a variation of the drive thru delivery laws that were passed a few years ago. i signed the petition and will try to get it out to others...
as a nurse, it's absolutely appalling that any insurance company could possibly think that a mastectomy is a same day/overnight surgery. it's definitely major surgery.
sometimes i am grateful for the NHS...but here it's a matter of getting a diagnosis and date for the surgery in the first place! once you finally get in, you can linger for days....